If you’re dealing with a medical condition that’s preventing you from working, RBC long-term disability (LTD) benefits are supposed to provide financial support.
But many people quickly discover that getting approved — or staying approved — isn’t easy.
This guide explains how RBC long-term disability works, why benefits are often cut off, and what you can do if your claim is denied.
What Is RBC Long-Term Disability?
RBC long-term disability (LTD) insurance provides income replacement if you’re unable to work due to illness or injury for an extended period.
Most policies pay:
- A percentage of your income (often 60–70%)
- After short-term disability ends
- For a set period — or until age 65 (depending on your policy)
LTD coverage may come from:
- An employer group benefits plan
- An individual RBC disability insurance policy
How Do You Qualify for RBC LTD Benefits?
To qualify, you must show that your medical condition prevents you from working.
This usually requires:
- Ongoing treatment and medical records
- Support from your doctor
- Detailed forms, including an RBC Attending Physician Statement
Even strong claims can run into issues if documentation isn’t clear or consistent.
The 2-Year Rule: Why RBC LTD Benefits Get Cut Off
Most RBC long-term disability policies include a major change after two years.
You go from:
- Being unable to do your own job
To: - Being unable to do any job
This is often called the “any occupation” test.
Why Are RBC Long-Term Disability Claims Denied?
It’s common for RBC LTD claims to be delayed or denied — even when your doctor supports your condition.
Common reasons include:
- “Insufficient medical evidence”
- Disputes about your ability to work
- Surveillance or social media activity
- Missed deadlines or incomplete paperwork
What Happens If Your RBC LTD Benefits Are Cut Off?
Benefits may stop if RBC believes:
- You no longer meet the definition of disability
- You can return to work in some capacity
- You didn’t provide updated medical information
This often happens:
- Around the 2-year mark
- After a reassessment or file review
If your benefits are cut off, you still have options.
Do You Have to File an Appeal With RBC?
RBC may suggest going through an internal appeal or complaint process.
But it’s important to know:
You don’t have to go through the appeal process before speaking with a lawyer.
In many cases, a legal claim may be the more effective option.
Key Takeaways About RBC Long-Term Disability
- RBC LTD provides income replacement if you can’t work due to a medical condition
- Claims rely heavily on medical documentation and insurer assessment
- Many claims are denied or cut off, especially after two years
- You have options — even if RBC says your claim doesn’t qualify
Speak to a Disability Lawyer About Your RBC Claim
If your RBC long-term disability claim has been denied, delayed, or cut off, it’s important to understand where you stand.
A long-term disability lawyer at Samfiru Tumarkin LLP can help you:
- Review your claim and medical evidence
- Explain whether RBC is treating your claim fairly
- Identify your best next steps
- Handle communication with the insurance company
There’s no cost to speak with our team.
Disclaimer: This guide was created by Samfiru Tumarkin LLP. It is an independent resource designed to help individuals understand their insurance rights and the appeals process. It is not produced by, affiliated with, or endorsed by RBC or any other insurance provider.